Building Good Credit Coalinga CA

Four simple strategies that can help you build a credit history.

Union Bank of California - Coalinga Branch
(888) 818-6060
190 West Durian Street
Coalinga, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $17.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact Union Bank of California for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Wells Fargo - Harbor And Wilson
(866) 245-3452
2300 Harbor Boulevard, Suite B
Costa Mesa, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Bank of America - Overlook Center
(800) 432-1000
1465 Main St.
Watsonville, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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U.S. Bank - Diamond Boulevard Branch
(800) 872-2657
1965 Diamond Blvd
Concord, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Wells Fargo - Alamo Plaza
(866) 245-3452
3157 Danville Boulevard
Alamo, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Union Bank
(559) 935-1661
190 West Durian Street
Coalinga, CA
 
Redwood Credit Union - Petaluma
(707) 545-4000
301 N. McDowell Blvd.
Petaluma, CA
Hours
mon: 09:00 - 18:00
tue: 09:00 - 18:00
wed: 09:00 - 18:00
thu: 09:00 - 18:00
fri: 09:00 - 18:00
sat: 09:00 - 16:00
sun: closed
ATM Fees
monthly fee: Monthly service fees range from $0 to $6.00. See institution about how these monthly fees can be waived.
ATM fee note: All CO-OP network ATM transactions are free. RCU allows 3 free non-network ATM transactions per month. Fee is $1.00 each thereafter.
Surcharge fee: Surcharge-free ATM access is available at all Co-Op Network ATM locations.
Services
Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Unlimited Checks

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Chase - Dana Point Branch
(877) 682-4273
5 Manarch Bay Plaza
Dana Point, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Chase - Mission Viejo/Gateway Center Branch
(877) 682-4273
23992 Alicia Parkway
Mission Viejo, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Chase - 24085 El Toro Rd Branch
(877) 682-4273
24085 El Toro Rd
Laguna Hills, CA
ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Building Good Credit

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Why is life so difficult for young adults? You can’t get a job without experience, and you can’t get experience without a job. You can’t borrow without a credit history and you can’t establish a credit history without borrowing. Considering the millions of young adults who go through this same scenario every year, why do we not have a more systematic way to fix this issue?
 
While I can’t fix the economy I can offer a few suggestions for establishing some credit history. But be warned: You need to decide why you are establishing credit. Buying a home is a worthy cause, but establishing a credit history just to borrow money and go deeper into debt, is not

1. Borrow your own money. The only good reason to borrow your own money is to establish good credit, so don’t worry, this does make sense. This approach works if you have a savings account or otherwise have access to money (usually you will need between $1,000 and $5,000, depending on your bank). You can get a secured loan through most credit unions where they lend you an amount equal to whatever you have in your account. You can’t get to the money in your account since you are using it as collateral. Then you pay it back monthly. You will lose money in interest this way, but consider it a fee to establish some credit history.

2. Pay back your student loans on time. If you have student loans (the kind that are in your name) then once you start your repayment period, you are establishing a credit history. Of course missing or late payments will result in a poor credit history, but on-time payments will establish you as a reliable borrower. Choose electronic payments to make sure you don’t forget to pay....


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